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If I were in your position, I would talk to your insurance agency, they have negotiators and may be able to get you a higher value than what the offending person's insurance company is currently offering you now. also an estimate of repairs would be nice to have before you accept the offer. Either way you should notify your company because they will find out about it any way, especially with a police report on file. Your rates should not be affected b/c it wasn't your fault.
This happened to me about 6 years ago, that was the best advice I ever had from someone who had been there. My rates didn't change at all b/c of me not being at fault.
Hope that will help you some, sorry to hear about the whole situation man, hope you get it taken care of soon.
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2002 TransAm,
LS-1, T-56
Flowmaster Exhaust System
K&N Air Filter
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